21 Clark St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 21 Clark St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 786 sqft · built 1940
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on File
Last Sale	$482,400 (Aug 2023)
Tax Bill	$4,990 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-F B:0013 L:0015`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0013 L:0015`
Alternative APNs	`M:010=F B:0013 L:0015` `6076025`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	786 sqft Living Area
Gross Area	1,344 sqft
1st Floor Area	426 sqft
Basement Area	426 sqft
Unfinished Basement	426 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,999 sqft (0.207 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6076025
Street Address	21 CLARK ST
City	SAUGUS
State	MA
Zip	01906-2261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	SAUGUS TERARCE
Legal Block	13
Legal Lot Number	15
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3020
Census Tract	208302

Owner

21 Clark St is owned and occupied by two individuals who bought it in August 2023.

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 CLARK ST, SAUGUS, MA 01906-2261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Quit Claim Deed, Transfer · FHA Mortgage NORCOM MORTGAGE
Apr 12, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2023 · Amount on File
Deed Sale	Aug 14, 2023 · Amount on File
Prior Sale	Apr 12, 2018 · Amount on File
Deed Document Number	20232540
Deed Book / Page	41711 / 428
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 14, 2023
Property Address	21 CLARK ST, SAUGUS, MA 01906-2261
Document Number	041711-428
Book / Page	41711 / 428
Instrument Date	Aug 14, 2023
Instrument	20230814002540
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 CLARK ST, SAUGUS, MA 01906-2261

Mortgage

Document Number	230814002550
Date	Aug 14, 2023
Instrument	230814002550

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 12, 2018
Property Address	21 CLARK ST, SAUGUS, MA 01906-2261
Document Number	36645-29
Book / Page	036645 / 000029
Instrument Date	Apr 12, 2018
Instrument	1804123000
Transaction Type	Transfer
Record Updated	May 1, 2018

Transaction

Amount	Amount on Record
Tax	$1,482.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 CLARK ST SAUGUS MA 019062261, SAUGUS, MA 01906-2261

Tax Assessment & Valuation

The 2026 property tax bill for 21 Clark St was $4,990, up 4.2% from the year before.

Source: Essex County and Saugus Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Saugus Town
Unified School District	Saugus School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,990.00 (+4.18%)	$478,900 (+6.78%) Land $342,400 Building $136,500	$499,308 (-1%)
2025	$4,790.00 (+3.01%)	$448,500 (+2.73%) Land $312,800 Building $135,700	$504,355
2024	$4,650.00 (+4.75%)	$436,600 (+10.76%) Land $304,400 Building $132,200
2023	$4,439.00	$394,200 Land $266,300 Building $127,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21 Clark St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 21 Clark St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAUGUS WATER DEPT. (MWRA) serves 27,844 people · EPA ID MA3262000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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